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The Story Behind Pinpoint Payments

Three Founders. One Vision. To Make an Impact.

Pinpoint Payments wasn’t born in a boardroom—it started with an idea forged through real-world experience, trials, and a shared belief that business owners deserve better.

From Experience to Insight

How the founders met and learned the ropes of high-risk eCommerce.

Ben Grossman, Gilboa Merginger, and Nicholas “Nico” Ruggieri cut their teeth in fast-moving, high-risk industries like eCommerce and affiliate marketing. They experienced the challenges of scaling businesses, surviving fraud, and navigating merchant shutdowns.

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Ben & Gil: Built multiple businesses together—from insurance to digital products and retail.
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Nico: Joined at the ground level, helping build the company’s fraud and chargeback prevention systems.
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Lessons learned: Risk management, scaling, and operational excellence.

From Idea to Inception

Turning uncertainty into an opportunity.

After experiencing exits and layoffs firsthand, the founders decided to build a company that protected businesses the way they wished they had been protected. What began as a fraud and chargeback prevention service quickly evolved into a full-service payments company.

A Company Built by Entrepreneurs , for Entrepreneurs

We understand your business because we’ve been there.

Unlike traditional providers, Pinpoint Payments was built by people who had faced processor shutdowns, fraud waves, and the challenges of high-risk businesses. This insider experience informs every service and solution we provide.

Meet the Founders

Three leaders, each with unique expertise

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Ben Grossman

Chief Executive Officer

Co-Founder and CEO of Pinpoint Payments. Ben sets company strategy and drives innovation across products and partnerships. His leadership has guided Pinpoint to five consecutive Inc. 5000 honors and a reputation for excellence in payment processing.

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Nicholas Ruggieri

Chief Sales Officer

Co-Founder and CSO. Nicholas (Nico) leads all global sales initiatives with a focus on performance and partnerships. His strategic insight and energy fuel Pinpoint’s merchant growth and partner success.

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Gilboa Merdinger

Chief Financial Officer

Co-Founder and CFO. Gil manages the company’s financial and operational strategies, expansion opportunities, and risk management. His disciplined approach keeps Pinpoint strong and scalable.

We’ve Been There.

We Get It.

Not just a payment processor—your payment partner

We offer more than transactions—we offer perspective. Our team has battled fraud, disputed chargebacks, and survived high-risk industry challenges so our clients can scale with confidence.

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Built with Integrity Proven by Results. .

Recognition, ratings, and real-world impact.

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5-time INC 5000 honoree
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Rated 5 stars on Google, A+ with BBB, and 4.8 on TrustPilot
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Trusted by thousands of businesses across online, retail, and high-risk industries
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5-Time Inc. 5000 Winner

Pinpoint Payments has been recognized on the Inc. 5000 list of America’s Fastest-Growing Private Companies five years in a row. This achievement highlights our commitment to innovation, merchant-first solutions, and consistent business growth.
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Rated 4.8 out of 5 by Merchants Nationwide

Thousands of businesses trust Pinpoint Payments to process millions in transactions every month.
With a 4.8 Trustpilot rating, we’re proud to deliver reliability, support, and real results that business owners can count on.
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A+ Rating with the Better Business Bureau

Pinpoint Payments is proud to be an A+ accredited business with the BBB, reflecting our long-term track record of honesty, transparency, and exceptional customer service. In addition, our award-winning support team (recognized by The Talk Awards 2025) provides 24/7 assistance in English and Spanish.

More Than a Service. A Standard.

From idea to inception, Pinpoint Payments has been built on one thing: experience.

We’ve been in the trenches. We’ve earned the scars. And we use what we’ve learned to help the next generation of entrepreneurs scale smarter, protect what matters, and grow with confidence. This isn’t just a company. It’s a promise—to do it better, do it differently, and do it with you.

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